| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SVCS WEST INC | 75 REMITTANCE DR. SUITE 1446 CHICAGO, IL 60675 | BLUE CROSS BLUE SHIELD OF NEW MEXICO | $12K | — | $12K | 4.01% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 75 REMITTANCE DRIVE DEPT 1446 CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.23% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | PO BOX 19640 IRVINE, CA 936239640 | METROPOLITAN LIFE INSURANCE COMPANY | — | $520 | $520 | 1.51% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | $51 | $1K | 11.94% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 955909 SAINT LOUIS, MO 631955909 | VISION SERVICE PLAN | $467 | — | $467 | 9.99% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $61 | — | $61 | 12.10% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 154 | $307K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $34K |
| Vision | VISION SERVICE PLAN | 98 | $5K |
| Life insurance(2 contracts) | AFLAC | 49 | $13K |
| Short-term disability(2 contracts) | AFLAC | 49 | $13K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 154 | $307K |
| Other(2 contracts) | AFLAC | 49 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.